In the last 5 years, economic growth has been strong with an average of 7% which helped to improve the living standard of Cambodians and reduce poverty from 53.5% in 2004 to 13.5% in 2014, according to the World Bank, and is expected to fall further by 1% every year. However, average inflation for 2018 is projected to remain low at approximately 3% in 2017 which inflation remained low and manageable at 2.9%, similar to the previous year (3%) and the average of the last 5 years (2.8%). Continued growth in food price (although slower than the previous year) and rising oil price are the 2 key drivers of this year’s inflation.


We will continue to monitor our portfolio to ensure that Asia Pacific Financial Plc. has the strongest positions for long-term, sustainable growth and overseeing the on-going operations and strategic direction of APF. We strive to train and support the risk management particularly operational risk in accordance with the framework of the institution.


Integrity and accountability is the cornerstone of the reputation of APF. We establish standards of integrity designed to promote ethical behavior throughout the organization, and foster a business approach that makes a positive impact on society and the public.

We have clearly structured management and strong policies. In addition, the Board of Directors actively participates in the discussion, identifies strategies for the institution and resolves institutional issues. The Board of Directors always responds appropriately to the needs of the organization by fully participating.

Asia Pacific Financial Plc. has continuously developed and strengthened its operation in the face of market movement and a highly competitive operating environment. The board and shareholders have confidence that APF’s leadership, strategy and human resource will achieve the best results.

We would like to recognize the efforts of APF’s employees, whose great work is a key contributor to APF’s success and who show remarkable commitment to our customers and stakeholders.

Finally, I am pleased to thank APF’s management and staff for their hard work, dynamism and strong dedication to grow the business in harmony with customers’ growth. We also wish to thank the Board of Directors, shareholders, customers, and especially the National Bank of Cambodia (NBC) for their continuous support and advice.

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